I also wouldnt let your mom go into 2nd position on an investment property with any sort of restructuring; it doenst sound like she's in a position to risk being wiped out.Overall, though, if you want cashflow on the new property but cant achieve that after a refi into a market rate loan, it probably makes more sense to just flip it, pay off your heloc and your mom, and use the remaining capital for the next deal.

If anybody local (especially other wholesalers) or anybody else even out of my market wants to connect, feel free to reach out!

Also, keep in mind that if you do self manage, you do put yourself at more risk for a legal issues.

Here are some trends that could play out, or further develop in 2025.Leasing & Tenant Experience AI-Powered Leasing: Chatbots and AI tools will streamline leasing processes, from answering tenant inquiries to scheduling tours.Virtual Tours & Digital Leasing: These will become even more standard, making it easier for tenants to rent remotely.TechnologySmart Property Management: IoT devices (smart locks, thermostats, etc.) will become more common, improving efficiency and tenant satisfaction.Property Management Software: Platforms will integrate more AI for predictive maintenance, rent collection, and financial reporting.SustainabilityGreen building practices and energy-efficient upgrades will be a major focus, driven by tenant demand and potential incentives.AI & AutomationAI will play a bigger role in tenant screening, rent pricing optimization, and even predicting market trends.Automation will handle repetitive tasks like maintenance requests and lease renewals, freeing up PMs for higher-level activities.I'm sure there are plenty more shifting trends that I haven't mentioned and that are sure to evolve over the next year. 

Feel free to DM me if you're interested. 

He puts a lot of free content out there to learn from.  

This community is full of experienced investors ready to share advice, so feel free to ask questions as you go!

Feel free to reach out and we can schedule a call.

If you need a lender for that, feel free to shoot me a DM.TYFYS and best of luck!

I find it's very personal, and dependent a lot on your goals, resources, risk tolerance, location, experience, etc.